United Kingdom: Consumer Credit

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Consumer protection law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics that involve consumer protection regulations and the developing law surrounding them from specialists working in this area.

Reviewing The Financial Promotions Rules For Consumer Credit

The Financial Conduct Authority is undertaking a comprehensive review of its financial promotions rules for consumer credit, seeking to simplify overly complex regulations that date back as far as 2004.

United Kingdom Consumer

LS

Lewis Silkin

Motor Finance Redress: The FCA’s Final Rules On The Industry-wide Redress Scheme

The FCA’s publication of its final rules in PS26/3 marks a significant milestone in the regulation of motor finance, establishing a formal consumer redress scheme for customers...

United Kingdom Finance

M

Macfarlanes LLP

FCA Finalises Motor Finance Consumer Redress Scheme

The Financial Conduct Authority has introduced a comprehensive Motor Finance Consumer Redress Scheme aimed at compensating consumers affected by historic failings in motor finance agreements...

United Kingdom Finance

MB

Mayer Brown

New Regime Confirmed For Buy Now Pay Later Market

The BNPL market has grown significantly in recent years, from £0.06 billion in 2017 to over £13 billion in 2024. According to the FCA's 2024 Financial Lives Survey, 20% of UK consumers (10.9 million adults)...

United Kingdom Consumer

LS

Lewis Silkin

The UK Publishes Final Rules On The Regulation Of Buy Now Pay Later

United Kingdom Consumer

CW

Cadwalader, Wickersham & Taft LLP

Motor Finance Consumer Redress- What Lenders Need To Know Ahead Of The New Scheme

United Kingdom Finance

AG

Addleshaw Goddard

High Court Sets Aside Default Judgments Entered Against Guarantors Under A Facility Agreement On The Basis That Service Of The Claim Was Not Valid

United Kingdom Commercial

KL

Herbert Smith Freehills Kramer LLP

Fiduciary Relationships Reshaped

United Kingdom Consumer

KL

Herbert Smith Freehills Kramer LLP

Bridging Loan Disputes: How To Manage Defaults, Enforcement And Unfair Terms

United Kingdom Finance

RF

Ronald Fletcher Baker

FCA Issues Guidance On Digital Design In Customers' Online Journeys

United Kingdom Consumer

LS

Lewis Silkin

Supreme Court Clarifies: No Fiduciary Duty Owed By Car Dealers In Finance Arrangements

United Kingdom Finance

GW

Gowling WLG

Regulation Of Buy Now Pay Later And FCA Consultation

United Kingdom Finance

AG

Addleshaw Goddard

Weil Structured Finance Talking Points

United Kingdom Finance

WG

Weil, Gotshal & Manges LLP

Securitisation Regulatory Update: UK Regulator Consults On Reforms To Deferred Payment Credit (Buy Now Pay Later)

United Kingdom Consumer

MB

Mayer Brown

Travers Smith's Sustainability Insights: Reporting Requirements Still Shifting

United Kingdom Commercial

TS

Travers Smith LLP

The IP Driven Start-up Podcast | From Lab To Market - The Real Story Of Commercialising University Research

United Kingdom IP

MC

Marks & Clerk

Navigating Reputational Risk In Family Offices (Video)

United Kingdom Privacy

WL

Withers LLP

What Does A Typical Day Look Like For A Case Manager, When Working With CoP Clients? (Video)

United Kingdom Law Performance

AG

Anthony Gold Solicitors LLP

FinTech Global FS Regulatory Round-up - W/e 24 April 2026

Worldwide Technology

KL

Herbert Smith Freehills Kramer LLP

Supreme Court Rules In Undisclosed Commissions Case

On 1 August, the Supreme Court gave its eagerly anticipated ruling in Johnson v FirstRand Bank Ltd, Wrench v FirstRand Bank Ltd and Hopcraft v Close Brothers Ltd [2025] UKSC 33.

United Kingdom Finance

LS

Lewis Silkin

Motor Finance Commissions: Implications And Outcomes

The Supreme Court judgment in Johnson v FirstRand Bank Limited (London Branch) t/a MotoNovo Finance addresses the lawfulness of undisclosed...

United Kingdom Finance

BJ

Browne Jacobson

U.K. Motor Finance Ruling: Where Next For The FCA?

On Friday 1 August, the Supreme Court allowed the appeal of lenders, finding that (i) credit brokers do not owe a fiduciary duty when they recommend finance to car buyers...

United Kingdom Finance

A

AlixPartners

Commission Not Impossible: No Bribery Or Fiduciary Breach In Car Finance Commission Case

In a significant decision for the car finance industry, the UK Supreme Court has decided that lenders who financed car loans were not liable to their customers for bribery for failing to obtain their informed consent to commission payments made by the lenders to the dealers arranging the finance.

United Kingdom Finance

AO

A&O Shearman

The Supreme Court's Ruling On The Johnson Car Finance Case Lifts The Bonnet On The Distribution And Manufacture Of Retail Financial Services

United Kingdom Finance

M

Macfarlanes LLP

FCA Consults On Proposed Rules And Guidance For BNPL Sector

United Kingdom Consumer

LS

Lewis Silkin

BNPL: Financial Services And Markets Act 2000 (Regulated Activities Etc) (Amendment) Order 2025 Made

United Kingdom Finance

LS

Lewis Silkin

Islamic Finance And The Consumer Credit Act: Addressing Terminology And Interest Prohibitions

United Kingdom Finance

AG

Addleshaw Goddard

The Landmark Reforms Of The Consumer Credit Regime- HMT's Phase 1 Consultation On The Reform Of The Consumer Credit Act And Its Next Steps For The Regulation Of Buy Now Pay Later

United Kingdom Consumer

AG

Addleshaw Goddard

Financial Regulation - In The Know: Consumer Finance

United Kingdom Consumer

AG

Addleshaw Goddard

Mastering CCR009: Your Guide To Implementing The New Credit Broking Reporting Requirements

United Kingdom Consumer

AG

Addleshaw Goddard

Consumer Credit Reform: What Housing Associations Need To Know

United Kingdom Consumer

D

Devonshires

Motor Finance Commission: What Happens Next After The Hopcraft Supreme Court Hearing Arguments?

United Kingdom Finance

AG

Addleshaw Goddard

Price Claims In The Travel Sector - What's The Latest?

United Kingdom Consumer

LS

Lewis Silkin

Mastering CCR009: Your Guide To Implementing The New Credit Broking Reporting Requirements

As part of its strategy to become a ‘more outcomes-based, assertive and data led regulator', the Financial Conduct Authority (FCA) published PS25/3, introducing new reporting requirements for Consumer Credit firms...

United Kingdom Consumer

AG

Addleshaw Goddard

Consumer Credit Reform: What Housing Associations Need To Know

The government's long-promised overhaul of UK consumer credit regulation has commenced. It wants to modernise this now overly complex regime that is not suited for the current digital...

United Kingdom Consumer

D

Devonshires

Motor Finance Commission: What Happens Next After The Hopcraft Supreme Court Hearing Arguments?

Read on to understand the key arguments made by the parties and interveners in the Supreme Court hearing of the motor finance commission appeal...

United Kingdom Finance

AG

Addleshaw Goddard

Price Claims In The Travel Sector - What's The Latest?

Under the Digital Markets, Competition and Consumers Act 2024, there is an increased emphasis on ensuring that pricing is accurate and does not mislead.

United Kingdom Consumer

LS

Lewis Silkin

UK Government Confirms Plans To Regulate "Buy Now Pay Later" Products

United Kingdom Consumer

LS

Lewis Silkin

FCA Consumer Credit Reporting Changes For Some Regulated Activities

Last week the FCA confirmed its plans to introduce a new regulatory return for consumer credit firms who engage in certain regulated activities.

United Kingdom Consumer

D

Devonshires

The Growth Of Asset-based Finance In Private Credit Markets

It is well known that much of private credit growth has been driven by bank retrenchment, combined with the development of private equity and its financing needs.

United Kingdom Finance

M

Macfarlanes LLP

The Supreme Court Hears Motor Finance Test Case

This week the Supreme Court heard the appeal against the Court of Appeal's decision regarding the payment of commission by motor finance lenders to car dealers.

United Kingdom Finance

M

Macfarlanes LLP

FCA Strategy For 2025 And Beyond

On 25 March 2025, the UK Financial Conduct Authority published a feedback statement (FS25/2) responding to its earlier call for input on reviewing FCA requirements following the introduction of the Consumer Duty in July 2024 (the Feedback Statement).

United Kingdom Consumer

TS

Travers Smith LLP

PSR's Consultation On Market Review Into Cross-border Interchange Fees Remedies

United Kingdom Consumer

AG

Addleshaw Goddard

Top Takeaways - AML And Consumer Credit: What Housing Associations Need To Know

United Kingdom Finance

D

Devonshires

Reporting for ICAVs and SICAVs

United Kingdom Finance

TRAction

Motor Finance Cases Set New Standards For Disclosure

United Kingdom Finance

PR

Proskauer Rose LLP

Court Of Appeal Hands Down Decision In Motor Finance Test Case

United Kingdom Finance

M

Macfarlanes LLP

Johnson v Firstrand: A Landmark Win For Claimants

United Kingdom Litigation

JL

Johnson Law Group

Consumer Credit: The FCA Is Changing Its Data Requirements

United Kingdom Consumer

D

Devonshires

UK Economic Overview Consumers And The Macro Economy: September 2024

United Kingdom Strategy

AC

Ankura Consulting Group LLC

The Consumer Duty One Year On And Its Importance To Retailers

United Kingdom Consumer

DS

DMH Stallard

FCA Provides Further Guidance On The Treatment Of PEPs

United Kingdom Finance

TS

Travers Smith LLP

Fintech, Digital Assets, Payments And Consumer Credit | UK Regulatory Outlook July 2024

United Kingdom Technology

OC

Osborne Clarke

High Court Rejects Misselling Claim In Respect Of Fixed Interest Rate Loans

United Kingdom Finance

NR

Norton Rose Fulbright Hong Kong

Fintech, Digital Assets, Payments And Consumer Credit | UK Regulatory Outlook April 2024

United Kingdom Finance

OC

Osborne Clarke

Fintech, Digital Assets, Payments And Consumer Credit | UK Regulatory Outlook March 2024

United Kingdom Technology

OC

Osborne Clarke

FCA Announces Review Into UK Motor Finance Commission Arrangements

United Kingdom Finance

OC

Osborne Clarke

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